Side-by-side · Q2 2026 data
Woodlands National Bank vs Farmers and Merchants State Bank of Pierz
Metric by metric
| Measure | Woodlands National Bank | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| TellerScore | 62 | 69 (stronger) |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 53 | 66 (stronger) |
| Earnings | 45 | 89 (stronger) |
| Funding & liquidity | 84 | 90 (stronger) |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 22nd | 40th |
| Total assets | $331.0M | $336.2M |
| Deposits / shares | $298.5M | $308.5M |
| Capital ratio | 11.20% (stronger) | 9.28% |
| Problem loans | 1.42% | 1.03% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.68% |
| Return on assets | 0.63% | 1.74% (stronger) |
| Loans ÷ deposits | 40.1% (stronger) | 70.7% |
| Uninsured deposits | 29.6% | 12.7% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.8% | 1.7% |
Farmers and Merchants State Bank of Pierz has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Woodlands National Bank leads on 3 and Farmers and Merchants State Bank of Pierz on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.